On Compulsory Insurance of Civil Responsibility of Tout Operator and Travel Agent

The Law of the Republic of Kazakhstan dated 31 December 2003 No. 513

      This Law regulates public relations arising due to compulsory insurance of civil responsibility of the tour operator and travel agent and establishes legal economic and organizational grounds of his (her) behavior.

Chapter 1. General provisions

Article 1. Basic definitions used in this Law

      The following basic definitions shall be used in the Law:
      1) gain acquirer – the person that in accordance with this Law is a receiver of insurance payment;
      2) travel agent – the individual or legal entity carrying out entrepreneurial activity on promoting and selling the touristic product;
      3) tour operator – the individual and (or) legal entity carrying out entrepreneurial activity that received the license in the manner established by the legislation of the Republic of Kazakhstan for the right of engagement in the activity on formation of touristic product, its promotion and sale to travel agents and tourists, as well as promotion and sale of touristic product formed by the non-resident of the Republic of Kazakhstan;
      4) civil responsibility of the tour operator and travel agent – the obligation of the tour operator and travel agent established by the civil legislation of the Republic of Kazakhstan to compensate the harm inflicted to the tourists upon rendering of touristic services;
      5) insured accident – the event in occurrence of which the contract of compulsory insurance of civil responsibility of the tour operator and travel agent provides making of the insurance payment to the insurant (gain acquirer);
      6) insured amount – sum of money on which the object of insurance is insured and which represents the limit volume of responsibility of the insurer upon occurrence of the insured accident;
      7) insurance premium – sum of money which shall be paid by the insurant to the insurer for acceptance of the obligations by the latter to make insurance payment to the insurant (gain acquirer) in amount determined by the contract of compulsory insurance of civil responsibility;
      8) insurance payment – sum of money paid by the insurer to the insurant (gain acquirer) within the insured amount upon occurrence of the insured accident;
      9) insurer – insurance organization that received the license for the right of carrying out the insurance activity obliged to make insurance payment to the insurant or another person in favor of which the contract (to the gain acquirer) is concluded upon occurrence of insured accident within the sum (insured amount) determined by the contract;
      10) insurant – the tour operator or travel agent that concluded the contract of compulsory insurance of civil responsibility of the tour operator or travel agent with the insurer;
      11) franchise – release of the insurer from compensation of damage not exceeding the determined size.
      Footnote. Article 1 is in the wording of the Law of the Republic of Kazakhstan dated 05.07.2008 No. 59 (the order of enforcement see Article 2); as amended by the Law of the Republic of Kazakhstan dated 15.07.2011 No. 461-IV (shall be enforced from 30.01.2012).

Article 2. Legislation of the Republic of Kazakhstan on
compulsory insurance of civil responsibility of the tour
operator and travel agent

      1. Legislation of the Republic of Kazakhstan on compulsory insurance of civil responsibility of the tour operator and travel agent is based on the Constitution of the Republic of Kazakhstan and consists of Civil Code of the Republic of Kazakhstan, this Law and other regulatory legal acts of the Republic of Kazakhstan.
      2. If international treaty ratified by the Republic of Kazakhstan establishes other rules than those provided by this Law, the rules of international treaty shall be applied.

Article 3. Purposes and main tasks of compulsory insurance of
civil responsibility of the tour operator and travel agent

      1. Purpose of compulsory insurance of civil responsibility of the tour operator and travel agent is safety ensuring of property and (or) other interests of the tourists upon carrying out the activity of the tour operator and travel agent on rendering of touristic services by means of making the insurance payments.
      2. Main tasks of compulsory insurance of civil responsibility of the tour operator and travel agent are:
      1) safety ensuring of property and (or) other interests of the tourist in volume and manner established by this Law;
      2) carrying out of the activity by the tour operator and travel agent in existence of the contract of compulsory insurance of civil responsibility of the tour operator and travel agent;
      3) economic interest of the tour operator and travel agent in safety improving of providing the touristic services.

Article 4. Object of compulsory insurance of civil
responsibility of the tour operator and travel agent

      Object of compulsory insurance of civil responsibility of the tour operator and travel agent (hereinafter – compulsory insurance of civil responsibility of the tour operator and travel agent) is a property interest of the tour operator and travel agent linked with their obligation established by the civil legislation of the Republic of Kazakhstan to compensate the damage inflicted to property and (or) another interests of the tourist upon carrying out the activity on selling the touristic product.

Chapter 2. Ensuring of functioning the system of
compulsory insurance of responsibility of the tour
operator and travel agent

Article 5. State control and supervision in the field of
compulsory insurance of responsibility of the tour operator
and travel agent

      1. State control of performing the obligation by the tour operator and travel agent on compulsion of the contract of compulsory insurance of civil responsibility of the tour operator and travel agent established by this Law, shall be carried out by the authorized body in the field of touristic activity.
      2. State supervision of the activity of insurance organizations shall be carried out by the National Bank of the Republic of Kazakhstan (hereinafter – the authorized body) in accordance with the legislation of the Republic of Kazakhstan.
      3. State control of performing the obligation by the tour operator and travel agent on conclusion of the contract of compulsory insurance of civil responsibility of the tour operator and travel agent shall be carried out in the form of inspection and other forms.
      Inspection shall be carried out in accordance with the Law of the Republic of Kazakhstan “On state control and supervision in the Republic of Kazakhstan”. Other forms of control shall be carried out in accordance with this Law.
      Footnote. Article 5 is in the wording of the Law of the Republic of Kazakhstan dated 15.07.2011 No. 461-IV (shall be enforced from 30.01.2012); as amended by the Law of the Republic of Kazakhstan dated 05.07.2012 No. 30-V (Shall be enforced upon expiry of ten calendar days after its first official publication).

Article 6. Persons the civil responsibility of which shall
be subject to compulsory insurance

      1. The responsibility of the tour operator and travel agent carrying out the activity on rendering of touristic services shall be subject to compulsory insurance.
      2. Conclusion of the contract of voluntary insurance of own civil responsibility by the tour operator and travel agent linked with carrying out of the professional activity shall not release them from the obligation on conclusion of the contract of compulsory insurance of responsibility of the tour operator and travel agent.

Article 7. Inadmissibility of carrying out the activity by
the tour operator and travel agent without conclusion of
compulsory insurance of responsibility of the tour operator
and travel agent

      Tour operator and travel agent shall not have the right to carry out the activity on rendering of touristic services without conclusion of the contract of compulsory insurance of responsibility of the tour operator and travel agent.

Article 7-1. Special aspects of carrying out the compulsory
insurance of responsibility of the tour operator and
travel agent

      1. Legal entity registered as insurance organization before receipt of the license for the right to carry out compulsory insurance of responsibility of the tour operator and travel agent shall be obliged to:
      1) conclude the participating contract with the Fund of guarantee of insurance payments and be its shareholder in the manner determined by the Law of the Republic of Kazakhstan on creation and activity of the mentioned Fund;
      2) have branches and (or) insurance agents in the capital, cities of republican, oblast and district significance.
      2. Insurer carrying out compulsory insurance of responsibility of the tour operator and travel agent shall be obliged to publish his (her) financial reporting on an annual basis in Kazakh and Russian languages no less than in two periodic printed publications distributed in the whole territory of the Republic of Kazakhstan in volume and terms provided by the regulatory legal act of the authorized body on procedure for publication of the annual financial reporting.
      3. Insurers shall have the right to participate in creation of organization carrying out the formation and keeping of informational data base on insured risks, insured accidents and insurance payments on compulsory insurance of responsibility of the tour operator and travel agent.
      4. Insurance organizations having the license for the right to carry out compulsory insurance of civil responsibility of the tour operator and travel agent shall be obliged to pay compulsory contributions and form conditional obligations in the manner provided by the regulatory legal acts of the authorized body.
      Footnote. The Law is supplemented by Article 7-1 in accordance with the Law of the Republic of Kazakhstan dated 07.05.2007 No. 244; is in the wording of the Law of the Republic of Kazakhstan dated 30.12.2009 No. 234-IV; as amended by the Law of the Republic of Kazakhstan dated 05.07.2012 No. 30-V (shall be enforced upon expiry of ten calendar days after its first official publication).

Chapter 3. Contract of compulsory insurance of
responsibility of the tour operator and travel agent

Article 8. Contract of compulsory insurance of responsibility
of the tour operator and travel agent

      1. Compulsory insurance of responsibility of the tour operator and travel agent shall be carried out on the basis of the contract concluded between the insurant and insurer in accordance with this Law.
      Contract of compulsory insurance of responsibility of the tour operator and travel agent is the agreement concluded between the insurer and insurant in favor of gain acquirer, property and (or) other interests of which may be inflicted by the harm upon rendering of touristic services in accordance with this Law.
      2. Insurant shall be free to choose the insurer.
      3. Insurer shall not have the right to deny the insurant to conclude the contract of compulsory insurance of responsibility of the tour operator and travel agent.
      4. According to the contract of compulsory insurance of responsibility of the tour operator and travel agent, the insurant shall be obliged to pay insurance premium, and the insurer shall be obliged to make insurance payment to the gain acquirer upon occurrence of the insured accident on the basis of the concluded contract considering the requirements of this Law, with the exception of requirements of the tourist linked with compensation for moral damage and loss of profit, as well as payment of a penalty.
      5. Contract of compulsory insurance of responsibility of the tour operator and travel agent shall be concluded in written form by issuance of the insurance policy by the insurer to the insurant drawn up in accordance with the requirements of the legislation of the Republic of Kazakhstan on insurance activity.
      The ground for conclusion of the contract of compulsory insurance of responsibility of the tour operator and travel agent is the application of the insurant.
      Responsibility for incompleteness of conditions being subject to specification in the contract of compulsory insurance of responsibility of the tour operator and travel agent shall be borne by the insurer. In case of occurrence of the dispute on the contract of insurance due to incompleteness of its separate conditions, the dispute shall be solved in favor of the insurant.
      6. Compulsory insurance of responsibility of the tour operator and travel agent shall be carried out by the insurance organizations having the license for the right of carrying out the insurance activity on such type of compulsory insurance.
      7. If the contract of compulsory insurance of responsibility of the tour operator and travel agent is concluded on conditions aggravating the situation of the insurant (insured person) or injured person in comparison of those provided by this Law, then upon occurrence of the insured accident, the insurer shall incur obligations before the insurant (insured person) and injured person on conditions established by this Law.

Article 9. Validity of the contract of compulsory insurance of
responsibility of the tour operator and travel agent

      1. Contract of compulsory insurance of responsibility of the tour operator and travel agent shall enter into force and be mandatory for all the parties from the date of paying the insurance premium by the insurant, and upon payment by installment – from the first insurance contribution, unless otherwise provided by the conditions of the contract of compulsory insurance of responsibility of the tour operator and travel agent.
      2. Contract of compulsory insurance of responsibility of the tour operator and travel agent shall be concluded for the term of twelve months from the date of entering into force. The period of validity of insurance protection shall match with the term of validity of the contract of compulsory insurance of responsibility of the tour operator and travel agent.
      3. The territory of validity of the contract of compulsory insurance of responsibility of the tour operator and travel agent is the territory of rendering the touristic services.
      Footnote. Article 9 as amended by the Law of the Republic of Kazakhstan dated 29.12.2014 No. 269-V (shall be enforced from 01.01.2015).

Article 10. Termination of validity of the contract of
compulsory insurance of responsibility of the tour operator
and travel agent

      Contract of compulsory insurance of responsibility of the tour operator and travel agent shall terminate the validity in the following cases:
      1) expiration of the validity term of the contract;
      2) early termination of the contract;
      3) carrying out of insurance payment (insurance payments) by the insurer at the rate of insured amount determined in the contract of compulsory insurance of responsibility of the tour operator and travel agent.

Article 11. Early termination of the contract of compulsory
insurance of responsibility of the tour operator
and travel agent

      1. Contract of compulsory insurance of responsibility of the tour operator and travel agent shall be early terminated in cases established by the Civil Code of the Republic of Kazakhstan.
      2. If the early termination of the contract of compulsory insurance of responsibility of the tour operator and travel agent is occasioned by non-performance of its conditions due to the fault of the insurer, the latter shall return the insurance premium paid by the insurant to him (her) or insurance contributions in full. In cases of early termination of the contract of compulsory insurance of responsibility of the tour operator and travel agent on circumstances mentioned by the Civil Code of the Republic of Kazakhstan, the insurer shall have the right to the part of insurance premium proportionally to the time within which the insurance was valid.

Article 12. Rights and obligations of the insurant

      1. Insurant shall have the right to:
      1) require explanations of conditions and procedure for compulsory insurance of responsibility of the tour operator and travel agent, own rights and obligations under the contract of compulsory insurance of responsibility of the tour operator and travel agent from the insurer;
      2) receive a duplicate of insurance policy in case of its loss;
      3) familiarize with the results of assessment of amount of insurance payment made by the insurer or independent expert;
      4) challenge decision of the insurer on refusal from making the insurance payment or decreasing of its amount in the manner established by the legislation of the Republic of Kazakhstan;
      5) terminate in advance the contract of compulsory insurance of responsibility of the tour operator and travel agent.
      2. Insurant shall be obliged to:
      1) conclude the contract of compulsory insurance of responsibility of the tour operator and travel agent with the insurer having the relevant license;
      2) pay insurance premium in amount, procedure and terms that established by the contract of compulsory insurance of responsibility of the tour operator and travel agent;
      3) in term no later than ten business days when he (she) became known on occurrence of insured accident, to notify the insurer about this (verbally, in written). Note in verbal form shall be confirmed in written in the following. If the insurant did not have the possibility to perform mentioned actions by the justifiable reasons, he (she) shall confirm this documentarily;
      4) represent available documents to the insurer required for clarifying the circumstances on character and sizes of inflicted damage by the insured accident upon occurrence of which at the insurant, the obligation to compensate inflicted damage shall be created;
      5) take measures for decreasing the losses from the insured accident;
      6) represent a possibility to the insurer for participation in regulation of issues linked with requirements of the tourist on compensation for damage, by this the proving of losses inflicted by the insured accident shall be on the insurant;
      7) ensure transfer of the right to the insurer of recourse to the person being liable for occurrence of the insured accident;
      8) represent details to the insurer required for entering into the contract of compulsory insurance of responsibility of the tour operator and travel agent during conclusion of the contract of compulsory insurance of responsibility of the tour operator and travel agent.
      3. Contract of compulsory insurance of responsibility of the tour operator and travel agent may provide the other rights and obligations of the insurant that are not inconsistent with the legislative acts of the Republic of Kazakhstan.
      Footnote. Article 12 as amended by the Law of the Republic of Kazakhstan dated 29.12.2014 No. 269-V (shall be enforced from 01.01.2015).

Article 13. Rights and obligations of the insurer

      1. Insurer shall have the right to:
      1) require provision of information from the insurant on previous contracts of compulsory insurance of responsibility of the tour operator and travel agent, insured accidents, insurance payments and other details required for conclusion of the contract of compulsory insurance of responsibility of the tour operator and travel agent during conclusion of the contract of compulsory insurance of responsibility of the tour operator and travel agent;
      2) request documents and details linked with the fact of occurrence of the insured accident and determination of the size of damage inflicted in the results of occurrence of the insured accident from the relevant state bodies and organizations proceeding from their competence in the manner established by the legislation of the Republic of Kazakhstan;
      3) participate in regulation of the issues linked with requirements of the tourists on compensation for the harm inflicted by the insurant in the result of performing the obligations by them linked with rendering of touristic services;
      4) lay the right of recourse to the person being liable for infliction of the damage in cases provided by Article 19 of this Law;
      5) deny making of insurance payment in full or in part on the grounds provided by Article 20 of this Law.
      2. Insurer shall be obliged to:
      1) familiarize the insurant with conditions and procedure for compulsory insurance, explain his (her) rights and obligations arising from the contract of compulsory insurance of responsibility of the tour operator and travel agent;
      2) issue the insurance policy during conclusion of the contract of compulsory insurance of responsibility of the tour operator and travel agent;
      3) conduct assessment of the size of inflicted damage, draw up the act specifying calculation of the amount of insurance payment and represent it for familiarization to the gain acquirer within five business days from the date of receiving the note on occurrence of the insured accident;
      4) make insurance payment upon occurrence of the insured accident in the manner and in conditions provided by this Law;
      5) ensure insurance secrecy;
      6) compensate expenses to the insurant (gain acquirer) incurred by him (her) for the purpose of prevention or decreasing the losses upon insured accident.
      3. Contract of compulsory insurance of responsibility of the tour operator and travel agent may provide the other rights and obligations of the insurer that are not inconsistent with the legislative acts of the Republic of Kazakhstan.

Chapter 4. Insured amount and insurance premium

Article 14. Size of insured amount

      Size of insured amount under the contract of compulsory insurance of responsibility of the tour operator and travel agent shall be determined by its conditions and is:
      1) no less than four thousand and no more than ten thousand monthly calculation indices for the tour operator for the date of conclusion of the contract;
      2) no less than two thousands and no more than five thousands of monthly calculation indices for the travel agent for the date of conclusion of the contract.

Article 15. Rate of insurance premium

      Rate of insurance premium under the contract of compulsory insurance of responsibility of the tour operator and travel agent shall be established under the agreement of parties and is:
      1) no less than 1 percent and no more than 2 percent from insured amount for tour operator established by the contract;
      2) no less than 1,5 percent and no more than 2 percent from insured amount for travel agent established by the contract.

Article 16. Procedure and terms of paying the insurance premium

      1. Procedure and terms of paying insurance premium under the contract of compulsory insurance of responsibility of the tour operator and travel agent shall be established by the agreement of parties.
      2. If otherwise is not provided by the contract of compulsory insurance of responsibility of the tour operator and travel agent, then for the late payment of regular insurance contribution, the insurant shall be obliged to pay penalty to the insurer in the manner and amount established by the Civil Code of the Republic of Kazakhstan.

Chapter 5. Insured accident and insurance payment

Article 17. Insured accident and determination of amount
of insurance payment

      1. Insured accident under the contract of compulsory insurance of responsibility of the tour operator and travel agent shall be admitted as the fact of occurrence of civil responsibility of the insurant on compensation for damage inflicted to property and (or) other interests of the tourist upon rendering of touristic services to him (her).
      2. Insured accident shall be considered as occurred from the date of entering of the court decision into legal force on compensation for damage inflicted by the insurant, or recognition of the requirements of the tourist on compensation for damage as justifiable by the insurant and agreement of the insurer with the recognition of requirements by the insurant.
      3. Amount of insurance payment shall be determined by the insurer proceeding from the sum of requirement of the tourist or court decision entered into legal force on compensation of inflicted damage considering the provisions of paragraph 4 of Article 8 of this Law.
      4. Expenses incurred by the insurant for the purpose of prevention or decreasing the losses shall be subject to compensation by the insurer, if such expenses were necessary or were made for performance of instructions of the insurer, even if the relevant measures occurred unsuccessful.
      Such expenses shall be compensated in factual amounts, however with that the total sum of insurance payment and compensation of expenses do not exceed the insured amount provided by the contract of compulsory insurance of responsibility of the tour operator and travel agent, if the expenses occurred in the results of fulfilling the instructions of the insurer by the insurant, they shall be compensated in full measure irrespective to the insured amount.
      5. Franchise under the contract of compulsory insurance of responsibility of the tour operator and travel agent is five-fold amount of monthly calculation index for one insured accident and for each gain acquirer. In cases when the size of inflicted damage exceeds the establish size of franchise, the insurance payment shall be carried out in full measure.
      Insurance payment for damage inflicted to life and health of the gain acquirer shall be carried out without applying the franchise.

Article 18. Conditions and procedure for carrying out
the insurance payment

      1. Requirement on insurance payment to the insurer shall be submitted by the insurant or tourist in written form accompanied by the documents required for making the insurance payment.
      2. The application on insurance payment shall be accompanied by the following documents:
      1) insurance policy;
      2) requirement of the tourist admitted by the insurant on compensation for damage or copy of the court decision entered into legal force on compensation for damage inflicted by the insurant upon rendering of touristic services;
      3) copy of document certifying identity of the gain acquirer – individual, or power of attorney issued to the representative of the gain acquirer – legal entity;
      4) notarized copy of the contract for rendering of touristic services concluded between the insurant and tourist;
      5) confirming expense linked with taking the measures on prevention and decreasing the losses;
      6) confirming the fact of occurrence of the insured accident and size of the damage inflicted by the gain acquirer.
      3. Insurer that accepted the documents shall be obliged to issue certificate to the applicant with specification of full list of represented documents and date of their acceptance.
      4. Upon making the insurance payment, the insurer shall not have the right to require acceptance of conditions from the gain acquirer restricting his (her) right of demand to the insurer.
      5. Gain acquirer is the tourist that is inflicted by the damage by the insurant due to rendering of touristic services, and in case of death of the tourist – his (her) successors.
      Insurant or another person that compensated inflicted damage to the tourist (his (her) successor) within the volume of responsibility of the insurant established by this Law, and that received the right for compensation of own expenses from the insurer may be the gain acquirer.
      6. Insurance payment shall be made by the insurer no later than seven business days from the date of receipt of the documents by him (her) provided by paragraph 2 of this Article.
      7. In cases when amount of insurance payment is contested by the parties of the contract of compulsory insurance of responsibility of the tour operator and travel agent or gain acquirer, the insurer shall be obliged to made insurance payment inasmuch as is not contested by any of mentioned persons within the term established by paragraph 6 of this Article.
      Contested part of insurance payment shall be paid by the insurer within three business days from the date of entering of determination of the court or court decision into legal force on this dispute, if the decision is not referred to immediate execution by the court.
      8. Requirement on insurance payment for damage inflicted during the period of validity of the contract of compulsory insurance of responsibility of the tour operator and travel agent may be submitted to the insurer within three years from the date of occurrence of the insured accident.
      9. Upon untimely making of insurance payment, the insurer shall be obliged to pay the penalty to the gain acquirer in the manner and amount established by the Civil Code of the Republic of Kazakhstan.

Article 19. Right of recourse to the person inflicted
the damage

      1. Insurer that made insurance payment shall have the right of recourse to the insurant within made insurance payment in the following cases:
      1) intended actions of the insurant oriented to occurrence of insured accident or promoting its occurrence;
      2) commission of actions by the insurant recognized as intended criminal or administrative infractions being in causal connection with the insured accident in the manner established by the legislation of the Republic of Kazakhstan;
      3) intended non-taking of measures by the insurant on decreasing the losses from insured accident;
      4) reporting knowingly false information by the insurant to the insurer on object of insurance, insured risk, insured accident and its consequences;
      5) refusal of the insurant from his (her) right of demand to the person being liable for occurrence of the insured accident, as well as refusal to transfer the documents to the insurer required for transfer of the right of demand.
      2. The right of recourse that the insurant has to the person being liable for the losses compensated by the insurer in a result of insurance shall be transferred to the insurer that made insurance payment within the paid sum.
      Footnote. Article 19 as amended by the Law of the Republic of Kazakhstan dated 03.07.2014 No. 227-V (shall be enforced from 01.01.2015).

Article 20. Grounds for release of the insurer from making
the insurance payment

      1. Insurer shall have the right to refuse from making the insurance payment in full or in part, if the insured accident is occurred due to:
      1) intended actions of the tourist oriented to occurrence of the insured accident or promoting its occurrence;
      2) actions of the tourist recognized as intended criminal or administrative infractions being in causal connection with the insured accident in the manner established by the legislation of the Republic of Kazakhstan.
      2. The ground for refusal of the insurer from making the insurance payment may be:
      1) receipt of the relevant compensation of loss by the insurant from the person being guilty in infliction of the loss;
      2) is excluded by the Law of the Republic of Kazakhstan dated 29.12.2014 No. 269-V (shall be enforced from 01.01.2015);
      3) circumstances of insuperable force;
      4) non-presentation of the documents by the insurant to the insurer enclosed to the application on insurance payment in full measure in accordance with paragraph 2 of Article 18 of this Law.
      3. Is excluded by the Law of the Republic of Kazakhstan dated 29.12.2014 No. 269-V (shall be enforced from 01.01.2015).
      4. In existence of the grounds for refusal from insurance payment, the insurer shall be obliged to direct the relevant decision on full or partial refusal from insurance payment in written form with substantiated ground of the reasons for refusal to the person that filed the application on insurance payment within seven business days from the date of receipt of the documents provided by Article 18 of this Law.
      5. Insurer shall not have the right to refuse from insurance payment on the grounds not provided by this Article.
      Footnote. Article 20 as amended by the Laws of the Republic of Kazakhstan dated 03.07.2014 No. 227-V (shall be enforced from 01.01.2015); dated 29.12.2014 No. 269-V (shall be enforced from 01.01.2015).

Chapter 6. Final provisions

Article 21. Procedure for considering the disputes

      Disputes arising from the contract of compulsory insurance of responsibility of the tour operator and travel agent shall be considered in the manner established by the legislation of the Republic of Kazakhstan.

Article 22. Responsibility for breach of the legislation of
the Republic of Kazakhstan on compulsory insurance of
responsibility of the tour operator and travel agent

      Persons being guilty in breach of the legislation of the Republic of Kazakhstan on compulsory insurance of civil responsibility of the tour operator and travel agent shall bear responsibility in accordance with the Laws of the Republic of Kazakhstan.

      The President
      of the Republic of Kazakhstan